Personal Accident
Contact Details
Richtec Consultancy
Phone: 019-787 1313
No. 11-01, Jalan Mutiara Emas 2A, Taman Mount Austin, 81100 Johor Bahru, Johor
Accidents
Accidents can happen at any time, at the moment we least expect it. Hence, we should be prepared to face these undesirable circumstances by setting up a suitable Personal Accident Insurance Plan.
Personal Accident Insurance Plan
Our Personal Accident Insurance Plan can be provided in two ways:
-
as an independent policy:
-
as a benefit included with another product
When the insurance conditions are met, which normally means when the consumer dies or causes physical harm as a result of an accident or unforeseen occurrence, most personal accident plans pay out a lump sum payout. The consumer is normally not insured if the death or accident is the result of "sickness, illness, or other naturally occurring disorder or operation." The consumer's claim must not come under this or any other exclusion provision in the policy in order to be fulfilled.
Personal Accident Insurance Plan Covers:
-
death
-
permanent total disablement; and
-
loss of, or loss of use of, a specified body part (such as a limb)
Permanent partial disablement, temporary complete disablement, and/or temporary partial disablement are covered by certain policies. However, personal accident insurance only covers sudden death and bodily injury, not illness or general disability, which may be covered by other forms of insurance.
Personal Accident and Medical Policies
Medical costs are fully covered
If you were hurt while travelling, the medical compensation profit will double, allowing you to get treatment without thinking about the costs.
Backup during Critical Situations
If you are permanently injured as a result of an accident, you can earn monthly payouts of 1% of your coverage total for up to 100 months to help you adjust to your new situation.
If you pass away unexpectedly, your relatives will be compensated to help them cope with the difficult times ahead.
Backup during Critical Situations
If you are unable to work due to complete disability, you will receive 10% coverage in the sixth month and another 90% coverage in the twelfth.
Bonus for Renewing Your Policy – An Additional 5% of Coverage.
Any time you upgrade your policy for the first five years, you'll get an extra 5% coverage for accidental death and dismemberment value – because we all like a little extra.
Coverage Boost Option
Any time you renew your policy for the first five years, you'll get an extra 5% coverage for accidental death and dismemberment.
You have the option to extend your coverage by adding the following benefits:
-
Weekly Indemnity Benefit – Payouts of up to 52 weeks per accident if you are rendered unable to work due to an unfortunate accident.
-
Emergency Medical Evacuation and Repatriation Benefit – Whether you are injured or sick while travelling, we will cover the cost of emergency medical evacuation and repatriation services up to $100,000.
Get professional advice
Contact our representative to receive personalized insurance advice and begin your journey with us today. Call Felicia Fong (+6019-7871313) to receive the best insurance advice for you and your loved ones.
AIA A-LifeProtectTerm
A-LifeProtectTerm is a no-frills life insurance plan that allows you to choose your level of protection while staying within your budget.
This plan offers you 3 choices of plans; Level Term, 5-Year Term and Yearly Renewable Term. Each offers different coverage terms to suit your financial plan.
AIA A-Life Med Regular
A-Life Med Regular is a standalone medical insurance card in Malaysia. It is a medical plan which takes care of you and your family’s long term medical needs with no Lifetime Limits.
This AIA Medical Insurance Plan is a personal insurance policy for children, adults, and families. It is underwritten by AIA Bhd.
